5
out of 5
POSTED: | BY: Jonathan Osorio
The refund process is the easiest and…
The refund process is the easiest and fastest I ever experienced.
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4.6
out of 5
Number of reviews 10,558
Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage. This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash.
With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.
1
out of 5
POSTED: | BY: A customer
Incorrectly processes claims to pay you less
Filed my first claim for my first pet's first vet visit. Took 6 business days to process, yet had obvious mistakes.
The Preventive plan includes coverage for an annual visit, dewormer, vaccines, and one-time microchipping.
They decided not to cover the dewormer because it was "preventive" and they put it under my Accident plan for some reason...
They decided not to cover the microchipping because they put it under my deductible under my Accident plan... even though a microchip literally isn't a treatment...
For clarity, I have a Base Accident & Illness Plan plus Gold Preventive. I filed a claim under my Preventive for the visit.
They did cover her two vaccine boosters, but only $20 each when they costed $60-$80. If they did cover the dewormer, they probably would have underpaid for that too, but they did one worse and just didn't cover it. I had a coupon for my first vet visit at VCA, but if they covered it, the $50 allowance would have underpaid the $125 fee by 2-3x.
The plan did transparently say that it would pay $20 though, but I didn't think the actual price was 3-4x that at the vet (again, first pet, first vet visit, so idk average prices).
I emailed them about the misclassifications, will edit with updates, but either way, this is a horrendous first impression and I shouldn't need to correct obvious mistakes... Given this was for a simple routine visit, I can only imagine that this is just the tip of the iceberg...
This "insurance coverage" seems like a scam if they either intentionally misclassify things or make egregiously obvious mistakes in order to pay you less. Sickening how manipulative & exploitative this "business" is.
Update: I got a response to my email within 4 hours. Fast response time, but the incorrect statements and nickel-and-diming nature of the response only makes my impression even worse.
They said that Revolution is "not a dewormer", even though that's what my vet prescribed it for, that's what the box says it is for, and that's what multiple vet websites, pharmacies, and the manufacturer say. It's for both flea prevention and deworming; it's an extremely common all-in-one treatment that I even knew about before having my own pets... It's also literally the first Google result for "dewormer for cats" - can't make this stuff up...
They also said that microchipping is under the Accident plan, not Wellness/Preventive, even though their own website literally lists microchipping under their Wellness plan... (which, uh, also makes sense, by definition...).
In other words, they'll happily contradict their own website and your licensed vet, other licensed vets & licensed pharmacies, and the medication manufacturer in order to deny you an extra $25. Absurd kafka-esque practices...
5
out of 5
POSTED: | BY: Tiffani Casey
Easy to submit and received payment…
Easy to submit and received payment within days!
5
out of 5
POSTED: | BY: Todd
Spot has processed my claims in a…
Spot has processed my claims in a timely manner and paid them quickly
5
out of 5
POSTED: | BY: jade
SO EASY
VERY QUICK & EASY process for reimbursement. Just upload all required documents & allow the team 1-2 weeks to review.
Monthly Cost
Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.
Coverage
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%
Payout Limits
Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option.
No lifetime limits.
Deductible
$100, $250, $500, $750 or $1000 annually.
Age Limits
No upper age limits. Pets must be at least 8 weeks old to enroll.
Waiting Period
There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.
Exclusions
Pre-existing conditions, cosmetic procedures and breeding costs are not covered.
Spot Pet Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment.
If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee.
Accident-Only coverage available.
for a full list of exclusions visit spotpetins.com/sample-policy
Spot Pet Insurance is committed to helping pets lead longer, healthier lives by providing pet insurance with affordable and customizable plan options. Plans cover accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost. Policyholders can use any licensed vet, including coverage eligible mobile and virtual vets.
Insurance plans are underwritten by United States Fire Insurance Company. Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN # 19246385)